Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC
- In force
- CELEX number: 32023L2225
- Official Journal: L_202302225
- Form: Directive
- Procedure number: 2021/0171(COD), 2021/0171/COD
- Languages:
- bg
- cs
- da
- de
- el
- en
- et
- fi
- fr
- ga
- hr
- hu
- it
- lv
- lt
- mt
- nl
- pl
- pt
- ro
- sk
- sl
- es
- sv
Dates
Date of document: - October 18, 2023
- --
- November 19, 2023
- Entry into force - Date pub. +20 See Art 49
- November 20, 2025
- Adoption See Art 48.1
- November 20, 2026
- Application See Art 48.1
- November 20, 2025
- See Art 46.2
- At the latest See Art 41.5
- November 20, 2026
- See Art 31.3 And 36.4 And 44.1
- November 20, 2027
- See Art 31.3
- November 19, 2028
- See Art 45.2
- November 20, 2028
- See Art 36.4
- November 20, 2029
- See Art 31.4
- Review See Art 46.1
Modified by
Modifies
Implicit repeal:
- Regulation (EU) 2016/1011 of the European Parliament and of the Council of 8 June 2016 on indices used as benchmarks in financial instruments and financial contracts or to measure the performance of investment funds and amending Directives 2008/48/EC and 2014/17/EU and Regulation (EU) No 596/2014 (Text with EEA relevance)
- Directive (EU) 2021/2167 of the European Parliament and of the Council of 24 November 2021 on credit servicers and credit purchasers and amending Directives 2008/48/EC and 2014/17/EU (Text with EEA relevance)
- Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010 Text with EEA relevance
- Commission Directive 2011/90/EU of 14 November 2011 amending Part II of Annex I to Directive 2008/48/EC of the European Parliament and of the Council providing additional assumptions for the calculation of the annual percentage rate of charge Text with EEA relevance
- Regulation (EU) 2019/1243 of the European Parliament and of the Council of 20 June 2019 adapting a number of legal acts providing for the use of the regulatory procedure with scrutiny to Articles 290 and 291 of the Treaty on the Functioning of the European Union (Text with EEA relevance)
Affected by case
Legal basis
- Consolidated version of the Treaty on the Functioning of the European Union PART THREE - UNION POLICIES AND INTERNAL ACTIONS TITLE VII - COMMON RULES ON COMPETITION, TAXATION AND APPROXIMATION OF LAWS CHAPTER 3 - APPROXIMATION OF LAWS Article 114 (ex Article 95 TEC)
EuroVoc Vocabulary
- Credit policy
- Approximation of laws
- Consumer protection
- Single market
- Contract
- Protection of economic interests
- Consumer credit
- Consumer protection
- EU Member State